My House Is Getting Foreclosed On!
Вставка
- Опубліковано 6 сер 2023
- 💵 Create Your Free Budget! Sign up for EveryDollar ⮕ ter.li/6h2c45
📱Download the Ramsey Network App ⮕ ter.li/ajeshj
🛒 Visit The Ramsey Store ⮕ ter.li/7vyom2
📞 Have a question for the show? Call 888-825-5225 weekdays from 2-5 pm ET or send us a message ter.li/n88ly5
Explore More Shows from Ramsey Network:
🎙️ The Ramsey Show ⮕ ter.li/ng9950
🍸 Smart Money Happy Hour ⮕ ter.li/9gcp3d
🧠 The Dr. John Delony Show ⮕ ter.li/2u3mc0
💰 George Kamel ⮕ ter.li/1elws8
💡 The Rachel Cruze Show ⮕ ter.li/n2u6jc
💼 The Ken Coleman Show - Highlights ⮕ ter.li/1rbjr2
📈 EntreLeadership ⮕ ter.li/ktxv2k
Ramsey Solutions Privacy Policy
www.ramseysolutions.com/compa...
This is an amazing call. I'm so happy that Dave took this call. Dave sounded like he was going to cry with her. Dave, this is why you do what you do.
I almost cried with her, this was a tough call.
This was the saddest call I’ve heard.
God bless you and your family. Thank you, David, for helping her, Thank you ❤
She's way too close to having the house paid off to lose it.
Interesting how y'all can actually have SYMPATHY when you HEAR people's actual stories.. Typically y'all make sweeping statements by telling people to bootstrap themselves and stop being lazy.... If only this same grace is given to everyone you don't know/hear about
This is someone who truly deserves a hand up. I feel for her so much.
I agree. Hugs to her.
F the insurance company. She has 4 kids, 2 of which will still need to be supported for a long time. If this were a single person, it wouldn’t be that big of a deal because she’s still young enough to be working. But there’s 4 kids, a lot of expenses, and they just cut out the payments…they should be ashamed
I bet she regrets the way she treated him!!!
@@youtubekeepscensoringme3357 WTF?
@@Gianni117 pay attention!!! She lived the good life because us men put our life and limb on the line for a paycheck. Now she's 40 and has to work l. I can count 3 able bodies that could make a $600 mortgage. I was orphaned, life goes on
She owes 65k on the house, have a 600 monthly payment, is behind $3600 and wants to foreclosure the house?! Man..The mortgage company could’ve sort something out. Glad she called Dave.
I'm shocked too.. I'm like some people say they haven't paid in 18mos and still aren't foreclosed on.. this is insane
@@wahinepaddler4 Mortgage co wants the house since they'd get to profit! She's 5 mos behind so $3K + fees etc. They see a $200K+ profit if they get to foreclose.
The low balance on the loan is exactly why they targeted her. With the house worth over $300K and only $65K owed, that's over $200K of equity available for them to steal. They could sell it dirt cheap to a real estate company owned by one of their friends, and give the woman little or nothing from the sale.
@megalodon1726 the #1 Flaw I Capitalism........GREED.....Make a buck at all costs (moral/ethical/legal). Capitalism has a few e great factors, but the Flaws outweigh those substantially. The greedy can never have enough money.....their soul is a bottomless pit for money and power.
@@megalodon1726 They can't actually steal the $200K other equity, but they can certainly steal a chunk of it as part of the foreclosure proceedings. Additional fees and additional interest and a whole slew of additional costs tacked on.
I’ve listened to maybe hundreds and hundreds of these call and none made me cry until this one. Sometimes we need to lean on our community. Thank you Dave for helping. I would love to donate something small to assist her on rebuilding her life. Dave, I don’t know if you can pass this forward but please see if you can?
Love your show, debt free because of your teachings.
I cried so much for this lady, I lost my 39yr old husband a year after I lost my dad. I can feel her pain and the children left behind. Thanks Dave for being there for her!
So sorry to hear……..rest their dear souls!! ❤
May he rest in peace . Gone but never forgotten we carry those we love in our memory always .
Aw honey, i hope you're alright
Jesus lady, you're a hell of a lot tougher than me
My heart and prayers, Ma'am.
Im not sure how youre pulling through, but youre stronger than I could ever be
I really hope we get an update on this situation. My heart goes out to this woman.
I Feel For this Mom.I Pray every thing works out for Her..
So do I!!!
I wish they would too. She's so overwhelmed. I think the husband must have done a lot of money budgeting because she started to say she wasn't good at it but he cut her off because that isn't the point right now. One step at a time
His newest episode has an update
@@dodgersfan5597 good?
A testament to her husband for getting them in a spot where they have nearly 300k in equity in their 30s.....this lady doesnt realize how good of a position he left her in.... she's gonna get a crash course in finances and be just fine......good luck to her and the kiddos
I know as soon as she said the dollar amount vs the balance left I went oh yes!
this is her retirement right there and her own social or his and any job she can keep, plus the older kids will probably help too or at least start a life of their own.
Omg yes. Amen.
This is the “why” for Dave Ramsey. There is nothing more rewarding than to be able to help people in these types of crises!! God Bless Dave!!!🙏🏻
When Dave told her to breath, I teared up. If Dave tells you it's not going to happen, it's not going to happen! So touching.
This is the first video of Dave Ramsey that I've cried. He truly has a compassionate heart for widows. True man of God.
It’s not often I feel bad for a Ramsey caller. You could tell she was genuine. I’m glad she reached out to Dave and he has the resources to help out.
I am sure they will send her a free book.
@@elefantrising what support did you send her?
@@thebeautifulmanclub3790 probably about the same as the show here.
@@elefantrising Go to therapy. It’ll do you some good.
@@elefantrisingdid you listen to the call? He’s having his team take over communication with the bank to make sure she isn’t foreclosed on. She’s getting free financial coaching sessions so she can invest. She’s getting free mental health counseling. Dave said he would “take care” of her not having a car. I’m sure they got her one. Listen to the whole call first. And I hate to judge but I bet I could guess how much you’ve done to help people vs how much the Ramsey org has….
This was one of my favorite stories last week. A foreclosure over $3,000? Not happening if Dave gets involved.
It’s nonsense, it’s less than she makes in a month on her job alone, plus all this other income she’s got. This is a trivial problem to fix up.
Dave made an update on his show recently. He said there was a lot of outpouring from the Ramsey community for this caller. His company and workers are going to help her out of this mess and said she will NOT lose her house. When Dave says that you know he means business!
This is how outrageously generous is done. Help get a struggling widow back on her feet. Well done and God Bless you Dave
Dave wakes up wishing a lender would. 😂
No he gave up. He show no hope for her. He paid it
😂😂
hahaha straight up
I’m a lender - your comment made my day 😂😂😂
F the bank tryn steal her house.
Facing everything alone is so heartbreaking with small children. I will keep her and her family in my prayers. Thank you Dave for helping her ❤
Dave’s about to call some banks and make them wish they never messed with this poor lady. I love it. Get ‘em Dave!
As a new dad this hits me hard. Life can change so quickly. Always tell your family you love them.
Please make sure you have life insurance for just in case. Hugs!
This is why we all need to get our financial act together. What if more of us were able to just make these problems go away for widows in our towns and cities? Change happens when we change.
I love this comment!!!
A comment and insight that I support 👏
I'm glad Dave was the one to get this call. George or Ken would have told her to get on a detailed budget and cut up her credit cards. Great call. Hang in there Sarah! 🙏
Getting on a detailed budget and cutting up are credit cards are a must.
Also, Dave has more money than Ken and George to make things happen.
George and Ken would have had compassion and they would have offered the services of the Financial Crisis Counselor.
This call is all the proof you need that none and I mean none of the existing “personalities“ can replace or even come close to doing what Dave can do on this show.
I have a feeling that Dave wrote the $3,000 check. This mortgage company is taking advantage of a bad situation! Get her refinanced Dave and on her feet. I was crying! And I'm sure Dave will set her up with a lawyer. Crazy that she's using a lawyer that is with WORKMAN COMP!
Lol no
I thought the same. And the fact that her mortgage is only $600.00. She'll be just fine.
Yep, I'm sure they reached out to her making her believe they were there to help her. In all her grief you can't blame her for not questioning it!
Hahaha, Ramsey wouldn't write a check for his own kids if they were ransomed. Not a chance.
@@jmorris023 It looks good. I think 3000 isn't much for him. Good publicity and good for soul
Man, if anyone needed an answered prayer it is this woman. One hit after another. God bless you Sarah.
Weeping hard and praying hard for this woman. I'm glad they were able to take her call and offer her some hope and good advice
Wishing for a follow up.
This call is why I started a term life insurance worth half a million before 25. I climb ladders for my business I own. If I fell and died, I'll know the last thing I did was take care of my family.
Bless this woman. I thought of my wife in her shoes and it broke my heart.
That closing statement from Dave "they think they're in control of this, they're not" with a big smile was awesome 😂
that was Dave's way of saying "I'm gonna have some fun with some F&%$ing bank managers"
That's Dave going "the bullies are about to get bullied today and I can't wait to hear the wind come out of their sails"
Dave thank you so so much for helping this lady. When she said she only owes $64,000 on a house with $311,000 of equity I immediately thought how devastating for her to lose that much equity. She could sale quickly and buy another house cash plus have enough to buy another car.
You don't lose the equity. After the debt is sayisfied you get the rest. Do people really think that's how it works?
@@redmanfreeman3391Sadly you also his hit with punitive legal fees. You are much better off to sell the house proactively.
@@redmanfreeman3391yes,but the bank will sell it to an insider for 75 grand,then what?
@@redmanfreeman3391 ? Why would the bank give you the equity of your home? Does the bank actually sell the house and cut you a check for the difference?
@@redmanfreeman3391When a bank forecloses on a home, it’s becomes a REO on its balance sheet, and those are highly scrutinized by its Regulators. Therefore banks seek to unload the property as fast as possible and at whatever price they can find. They have no obligation or fiduciary responsibility to find the best price, so long as they are made whole* on the loan. So, long story short, the bank doesn’t give two iotas about your equity once they foreclose.
This woman is drowning in grief. It’s a sad call to hear. I hope she can focus and get through this.
😢😢😢😢 This makes me look at my problems like I should stop complaining. SOMEONE ALWAYS GOT IT WORSE THAN YOU…
Same prayers go out from me for this caller 🙏❤️🙏
Frfr same here
Yes, well said
"Always be grateful for the struggles you have to carry because there is always someone carrying more."
😢💔🙏🏾
This call made me cry. The way Dave spoke to her was amazing. He is so good at talking through situations like this with people. It’s so inspirational!
Why do none of the comments mention how crap the insurance company is? I mean clearly she likely has some issues spending but the idea that the insurance company can file an appeal and that PAUSES payments rather than continue payments while merits are being decided is nuts. And the fact that upon reinstatement they weren't required to pay an immediate lump sum as backpay is LUNACY! Does anyone have experience with this kind of thing that can chime in? I feel like they skated right past it
The scriptures command us to take care of widows and orphans. I love that Dave leads us all as an example. This is why I watch every Dave Ramsey video.
How can you not be a Ramsey fan after a call like that. Well done, Dave! 🙏🏻
I am so touched looking at this side of Dave… he is my hero.
We have our ways loved it❤
Thank you Dave, this is why you have been the best for over 30 years!
Always
While am not always in agreement with Dave. I want to thank him for what he is doing for this young Mom.
God bless you.
I just wanted to say thank you to Dave and his entire crew. I love all the advice and the way you help people. Well done. As far as this particular story, it's so heartbreaking. Many people can relate.
😢real tear jerker . Dave you are a blessing for helping. TY
I was in tears for this woman! Number 1 she needs God in her life. I seen so much compassion from Dave! She got guidance and direction and help with leaving her pride aside. Lord bless her and bless the Ramsey Show!
She may be aethiest. Just reaching out to others should be helpful.
Maybe it's a way to know God.
@@luisasterioquerubin6829 that is true.
Omygosh such a sad situation.
She needed financial advice like this. She should NOT let all that equity be lost. She needs to sell it before the wretched bank takes it.
This poor girl needs her dad 😢 and dave stepped in to guide her like a good dad does and like her dad would have done if he could have ❤❤
He just proves he's better than even he thinks he deserves.
Love the community at RS can wrap their arms around and not only provide financial but the emotional support this widowed mother desperately needed 💕
Would LOVE to see the outcome, better yet how they went after the mortgage company, that grin was dangerous!
They just opened a 55 gallon drum of whoop @$$.
My mom lost my dad to gun violence in 1999 , 4 months later lost her mom to a stroke , it was four of us , 11,9,5,3. There were days she would lock herself in the restroom and cry and I would hear it. She managed , I know this lady can too but she has to step it up.
I’m sorry that just sad
I can relate, lost my husband in 2021 and it's the scariest feeling. The entire well being of your household rest on your shoulders alone. Praying for her.
I teared up listening to her story😢 I'm glad she called in. I can tell she has been trying to remain strong through it all.
Im a 40 year old grown man and this made me cry. I hope she is ok
Roofing is such a brutal job. Not only is it tough to do on a good but hot day. But when accidents occur they are always devastating. I know a guy who was a roofer who fell and hurt his head in his 50s or late 40s and he's pretty much done as an adult and under the care of his own mom.
Shit safety is usually the problem, no harness on when you’re working at 30ft is just dumb & his company should be held liable. They all just want the job done fast and who cares if someone dies as long as profits are made!
I watched the video once, and then I kept watching it over and over again. IMO, the best video out there that gives hope. Dear Mr. Ramsey Sir - just so you know, I have followed you as I would have followed my dad if he was still alive. I have witnessed you helping many over the years, but this one takes the crown. It makes my teeth hurt when a bank threatens a widow, mother of 4 kiddos with foreclosure for being late on payment by 6 months?! She should thank her lucky star that she had the courage to call you, even better since she is a resident of the Nashville area. I saw in Dave the protective dad - fierce & gentle at the same time. You made my day Sir, you truly made my day...
DAMN RIGHT .....GO GET EM UNCLE DAVE!!! Dr John too. So happy she called in, we can only hope she sees brighter days soon
My prayers are with this poor lady. Thank you for helping her. ❤
Holy F. First Ramsey call in which I had to choke back tears.
Nice job by Dave and Jon on this one.
I just wanna give this woman a hug. Sending so much love her way.
Can we have a follow up video on what Dave’s smile is all about? Meanwhile, I am so sorry to hear all the loss she suffered. Hoping Dave’s team will be able to shoulder all the problems for a while so that she can recovers from these.
I think we all know what Dave's smile is about, he's going to make them wish they'd never placed Sarah's home in foreclosure, my God with only $64k left!! Really??!!
She made the right call today, I pray she gets the help she so needs both financial and a community around her to not let her or her children walk through grief on their own! God Bless her and her family!!
It’s clear what it’s about.
I think it has something to do with the lender trying to foreclose on a deceased person.
I think they are kind of going thru standard operating procedures for a foreclosure. BAM! She's not on the mortgage? But shes on the deed. So they have no paperwork saying she owes them but she has paperwork saying she owns it. Complicated.
Life happens. When my brother died of cancer my other brother was living with him helping him. He had no where else to live and was becoming disabled. It took me a lot of time to unravel the situation because my dead brother had never updated his Will. The house had slipped into foreclosure. My self and our sister got it out of foreclosure and paid it off. Really important to have family and friends. Honestly 3000 is not that much money. I have helped widows before in similar situations. There are Godly people everywhere. If you need help ask God to send one to you. Thanks Dave for helping this lady and her children. Our Father is pleased.
I agree. This poor lady is so desperate. I'm glad she's getting help. Now if my eyes would stop leaking....
I'm a grown man 6ft for 260 lb I play hockey and I can tell you that episode made me cry
Oh my God, I have a friend who was a couple of years younger - lost his life the same way. Roofer.. skylight. His wife had their first baby the week following his death. This story.... rocked me.
I've been learning from Dave for longer than I've been a fan of Theo's- and that was from his 6th vlog. Gang. Gang. Praise. God.
*Love you, Kyle Parrott. You and Jesus keep those two precious girls held tight. And we'll see you soon, buddy.*
Ramsey Solutions, tell me how I can donate to that woman please.
Dave is such a genuine guy! He cares for real.
This is why he says “life like no one else so you can give like no one else”. We all need each other
Dave and his team are more than just financial experts. Big thanks to his team.
Love how they handled this call. How sad and overwhelming.
When Dave says "hunny", my heart melts. Crying with this woman. She's almost done paying off the house. She called the right place! Community heals!
Heartbreaking. So glad she got through to Dave and John. Thank you guys for using your platform and resources for the good of others. Prayers.
I love how calming Dave was with her. God bless you for doing this.
This is why its important to have life insurance, for a 36 year old a $100,000 policy is very cheap each month. She could of paid off the house and hand money left over and not be in this stressful situation
Unless they’re a smoker then the insurance premiums jump significantly
I pay $20/month for a $500K 20 year term life policy. It's wild that a lot of people don't have a term life policy in place if they've got families and work physical jobs.
@@ebonyqueen86maybe quit smoking?
@@ebonyqueen86better than a carwash fundraiser....
@@brett4932What company is yours through?
Dave is a good man.
My husband died at 42. We had life insurance, but since it was suicide, I did not get the insurance. I was ok financially until I got sick and had to stop working. My family helped out until I could sell my house and buy a condo with the equity from my home. The condo is small, but it is just me, so that is fine. It is all paid. It is so hard to deal with a death and still keep going and do the things for your family that they need. A
I can totally relate to her pain and frustration, may god bless her and thank you Dave Ramsey for all you do.❤
All the years listening to DR and this is the first time I've heard him actually offer a handout to some. "It's taken care of" really hit home
I’m almost certain that Dave personally helped her out of this. Wouldn’t be surprised if he gave her the 3k to get her out of the hole.
If not he’s already done enough but you guys are amazing
“They think they are in control of this and they are not” lmao that last line was great
Dave, Thank you, thank you, thank you! I can’t thank you enough on behalf of the caller. That’s the heart of Christ we’ve all been called to emulate. Thanks again Dave! @Sarah, God bless you.
I scanned through hundreds of comments on this video and landed on yours. It’s a message for me from Jesus. I’m crying as I type this. Wow! ❤
To any roofers out there, the OSHA fall harnesses suck but they’ll save your life. They’re $120 or so at Home Depot. If you fall with harness on and the harness is bolted to the roof, you never hit the ground.
Harness saved my life at 17!! I don’t know why people just use it
I’m praying for this caller! This is an awful situation.
For all the people who give Dave crap, they need to watch calls like this.
My mom lost her dad & husband (my father) within 72hrs. Within two years she lost both cars, the house & everything my dad every worker for. She did this by blowing thru the life insurance w trips, shopping, partying & buying rounds for everyone in the bar. She even blew my son’s college money my dad left for us. She’s 67 & had to move in with her mother who’s 85. It’s soooooo hard to not resent her. She’s in absolute denial still 15yrs later. She has a victim mentality. But now she gets his social security & VA death benefits so she acts like she’s better than everyone. She’s financed two new trucks within the last 3 years.
My heart goes out to her. I lost my husband as well, and it is tough. I'm so glad Dave took this call and they're going to help her. I pray God blesses this Mom and her kids greatly and blesses Dave and his people for helping her. Just goes to show there is good in the world ❤
My heart is breaking for this woman!!!
I'm in tears. It's my hopes that this all worked out for her.
God bless the Ramsay team for helping her!! She will prevail.
I like to watch these videos while I'm working and I did not expect to be crying at my desk today. What a rollercoaster of emotions this whole call and response was. Wow.
Honestly, after this call she could’ve started a go fund me and probably paid the house off. Breaks my heart to hear the pain she’s been through.
Isaiah 1:17 Well done dear Dave Ramsey...you have pleased the Lord by taking care of the widows!
This poor lady. Heartbreaking story.
Thanks Ramsey show for being the hands and feet of Jesus! Your empathy and compassion towards this woman can literally be felt.
I believe we can do so much more for our communities when we as individuals stay out of debt, for then we can give and live like no one else just as the Ramsey Show is doing. Thanks again Dave and Dr. John for your kind and comforting words.
You can practically feel the weight of this woman’s pain.
This was really hard. Poor lady. Gosh darn this got me. Couldn’t imagine losing my spouse with 4 KIDS.
Dave Ramsey - THANK YOU & God bless you
What an incredible call. So glad they are helping her
I’m glad she had this strength to reach out.
Uncle Dave does what Uncle Dave does best! Kudos to Dave and the team!
My husband is a roofer he fell through a skylight when he was 19 he broke both arms and he’s nose thank god he made it bc he fell on top of a car and apparently it better then falling on concrete. He had to be airlifted to a hospital.
I feel for her. I lost my husband and not only had to raise our children , but had to take care of everything on my own. Thankfully we were good with our money, planned well for the future and we have doing well. I hope she will be ok.
This is what we are supposed to do!! Help each other!!! Especially in this sad situation!! 🙏🙏 Life is going to get better, Sarah! One day at a time!! 🌞
Such a heartbreaking call ..so sorry for what has happened..very sensitively and skilfully handled by Dave and John 👏👏 I am praying for this lady and her kids 🙏🙏🙏
I feel so sad for this woman, and I'm glad Dave did everything he could for her! That is awesome
Thank God she called Dave for help, what a courageous lady. May God richly bless her and her children❤🙏
It was amazing to see how Dave took this call...you just know this lady's situation will be taken care of just by the look on his face.
Dave is amazing; he has so much compassion for people and really goes above and beyond.
Wife was well taken care of by a good man she doesn’t know how to survive without him ❤ this is why it’s important to set things up just in case
I just love how Dave takes care of widows!! This women situation made me cry with her, bless your heart Dave, you're a true blessing to many
This is my favorite call, thank you Dave for the work you are doing all to the glory of God!